Guideline | Oracle NetSuite

Find a 401(k) plan that fits your business

Connect NetSuite Payroll with Guideline to get an easy, integrated 401(k). Plans start at $39 per month.1

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The low-cost 401(k) without the stress

  • Payroll integration

    Seamless payroll integration

    Automate your 401(k) experience with a direct sync to NetSuite Payroll – so you won’t have to worry about deductions, contribution changes, and more.
  • Abstract check list visual

    All-in-one 401(k) experience

    Unlock always-on compliance and automatic tax filings, including Form 55002 and 1099-R.
  • Photo with text: "$0 loan fees, $0 transaction fee, $0 rollover fee, $0 distribution fee"

    Help employees save more with low fees

    Get 6x lower managed portfolio fees and no transaction fees to help maximize savings.3
60k+
businesses4
1M+
savers5
$20B+
invested for retirement5
9/10 star rating on Business.com
Top 401(k) for small business6
Powerful plans with transparent pricing
Plus, you may be eligible for up to $16,500 in tax credits to help offset plan costs
  • Starter
    New offer
    $39
    $0
    / month
    +$4/mo per active participant
    $0
    A simplified 401(k) with limited features and easy administration.
    Connect
    • $6,000 employee contribution limit
    • No employer contributions
    • Exempt from IRS testing
  • Core
    New offer
    $89
    $0
    / month
    +$8/mo per active participant
    $0
    Our most popular 401(k) with robust features and more plan design options.
    Connect
    • $23,500 employee contribution limit7
    • Safe Harbor8 or Traditional 401(k)
    • Features like employer contributions and profit sharing
  • Enterprise
    New offer
    $149
    $0
    / month
    + active participant fee
    $0
    Our most custom 401(k) with premium support and flexible pricing that scales as you grow.
    Contact sales
    • $23,500 employee contribution limit7
    • Flexible pricing options
    • Premium support for plan admin and employees
    • Support for plan transfers

Estimate your 401(k) plan costs with our calculator

Your company could be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.9
Melissa W.CEO & Co-Founder, Zipline
We chose Guideline because we didn't want the overhead, management or complexity of traditional options. Guideline is practically a 1-click setup that integrates with our payroll system and is incredibly easy to manage.Client of Guideline. Views may not be representative of other clients.
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A patient customer support specialist listening attentively to a customer's questions.
  • An experienced customer support specialist providing helpful advice.
  • An empathetic customer support specialist providing personalized support to a customer.
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A patient customer support specialist listening attentively to a customer's questions.
  • An experienced customer support specialist providing helpful advice.
  • An empathetic customer support specialist providing personalized support to a customer.
  • A knowledgeable customer support specialist helping a client with a retirement plan.
  • A courteous customer support specialist providing exceptional service to a client.
  • A helpful customer support specialist assisting a client with a retirement plan enrollment.
  • A professional customer support specialist offering expert guidance on retirement savings.
  • A knowledgeable customer support specialist helping a client with a retirement plan.
  • A courteous customer support specialist providing exceptional service to a client.
  • A helpful customer support specialist assisting a client with a retirement plan enrollment.
  • A professional customer support specialist offering expert guidance on retirement savings.

Live customer support

Support you can count on — and call

With Guideline, you and your team get support from our 401(k) specialists via phone or email — our annual plan sponsor customer satisfaction score is 93%.10 See our customer support metrics

Invest in your team

With an intuitive dashboard and an award-winning mobile app11, it’s easy for your employees to set up their account, track their progress, and access resources—anytime, anywhere.

  • Easy account setup, via web or mobile app

  • Recommended investment portfolio

  • Retirement education and live support

Guideline mobile app portfolio screen.
Guideline mobile app portfolio screen.
Your new 401(k), right this way
View our Privacy Policy
  • 1

    See here for more information regarding Guideline's fees.

  • 2

    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. Recordkeeping services are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 3
    Information is illustrative. Not investment/tax advice. Consult a qualified tax/financial advisor. Avg. investment expense of plan assets for 401(k) plans w/ 25 participants and $250,000 in assets is 1.26% of assets, per 25th Edition of the 401k Averages Book, w/ data updated through September 30, 2024 (inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees or any other asset based charges). Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. Guideline’s managed portfolios have blended expense ratios ranging from .058% to .061% of assets under management. When combined with an assumed account fee of .15% charged by Guideline Investments, LLC, estimated total AUM fees for one of the managed portfolios can be under .21%. Alternative account fee pricing available, ranging from .15% to .35%. See Form ADV 2A Brochure for fee info. Expense ratios subject to change by and paid to the fund(s). View full fund lineup.
  • 4
    As of April 2025
  • 5
    As of July 2025
  • 6
    Business.com “Guideline 401k Review and Pricing” February 26, 2025. Review criteria provided here.
  • 7
    Varies by age and may be adjusted annually to account for IRS cost-of-living adjustments. Learn more
  • 8
    In general, Safe Harbor 401(k) plans automatically satisfy Top Heavy requirements. One exception is for plan years in which the employer makes discretionary contributions (such as profit sharing contributions) in addition to Safe Harbor contributions. Removing Safe Harbor contributions mid-year will also require plans be subject to all compliance testing.
  • 9
    You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 10
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2024 to 12/31/2024.
  • 11

    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.

Guideline.com is owned and operated by Guideline, Inc. This website contains content from Guideline, Inc. and its affiliates, each a separate entity with different regulatory marketing requirements and standards. References to "our" or "we" on this website refer solely to Guideline RK, LLC unless otherwise specifically stated.

The information in this website is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security. By using this website, you agree to Guideline, Inc.’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, Inc. nor its subsidiaries, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, Inc. does not guarantee the accuracy and completeness of that information.

Guideline, Inc. is a technology company that provides an integrated platform to companies who seek to work with 1) Guideline RK, LLC ("Guideline") and/or 2) Guideline Investments, LLC, an SEC Registered Investment Adviser ("RIA"), both of which are wholly owned by Guideline Holdings, LLC. Guideline Holdings, LLC is wholly owned by Guideline, Inc. Neither Guideline, Inc. nor Guideline Holdings, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Guideline, Inc., nor any of its affiliates, is a bank.

Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments, LLC’s ADV 2A Brochure and Form CRS. References throughout this website to investment advisory services including but not limited to: investments offered, portfolios, managed portfolios, investment philosophy, assets under management (AUM), annual account fees expressed as a percentage of AUM, suitability questionnaire, 3(38) investment advisory management fiduciary services, robo-advisory services, and investment advice, unless otherwise specifically stated, are services provided by Guideline Investments, LLC. Investing involves risk and may lose money, including loss of principal. Investing is not guaranteed and past performance is not a guarantee of future performance. The investment options offered by Guideline Investments, LLC are not FDIC insured.

Recordkeeping services for Guideline’s 401(k) and SEP IRA/IRA products are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. For more information on Guideline’s pricing, see here. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Any graphs, charts, and other visual aids (collectively referred to as "image(s)") are provided for information purposes only. None of these images can of themselves be used to make investment decisions. No representation is made that these will assist any person in making investment decisions and no image can capture all factors and variables required in making such decisions.

© 2025 Guideline, Inc. All rights reserved

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